Question

急！！翻译成英文。要手工翻译，谢谢了！

从我国现实情况看，资本约束、利率市场化和汇率形成机制改革，已经从如何有效配置风险层面对银行风险管理提出了要求。但是，我国商业银行的资产业务以贷款为主，而贷款中蕴藏着较大的信用风险。
世界上其他国家运用资产证券化技术处置不良资产的成功经验为我国提供了有益的借鉴。通过这些实践和探索,资产证券化技术已发展成为一项成熟的技术,并在处置不良资本方面发挥了巨大的作用。这为我国运用资产证券化技术处置不良资产照亮了道路。
不良资产证券化具有系统性、复杂性、综合性的特点,涉及国民经济的多个领域,需要一套完整的法律来规范其运作。

Answer 1

Looking into the practical situations of our country, the mechanism reform made of capital restrain, interest-rate marketization and ROE has claimed on banking risk management for a more effective solution to configure the risks. However, the assets operation of our merchant banks in this nation mainly conducts loans with huge credit risks. The experience that other countries in the world apply the assets securitization technology to settle non-performing assets successfully, offers us a great idea to draw from. Through these practices and explorations, the technology has been developed into a mature one and works efficiently on non-performing assets. This lights up our way of applying the assets securitization technology to to settle non-performing assets.
Non-performing assets securitization is characterized by systematicness, complexity, synthesis and involves in many fields of national economy, which needs a suit of integral rules to run and specify.

Answer 2

Looking from our country realistic situation, the capital restraint, the interest rates liberalization and the exchange rate form the mechanism reform, how already from effectively to dispose the risk stratification plane to set the request to the bank risk management. But, our country Commercial bank's asset operation loans primarily, but loans is containing the big credit risks.
In the world other countries have provided beneficial model using the property securitization technology handling bad assets' successful experience for our country. Through these practices and the exploration, the property securitization technology has developed into a mature technology, and has played the huge role in the handling bad capital aspect. This utilized the property securitization technology handling bad assets for our country to illuminate the path.
The bad assets securitization has the systematic characteristic, the complexity, the comprehensive characteristic, involves the national economy many domains, needs set of complete laws to come standard its operation.